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financial performance of public sector banks

Unique downloads. Version 1 Abstract Camel approach is significant tool to assess the relative financial strength of a bank and to suggest necessary measures to improve weaknesses of a bank. Pacific Business Review International, Vol. Register to save articles to your library Register. Paper statistics.

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Feedback to SSRN. Eastern, Monday - Friday. Copyright Terms and Conditions Privacy Policy. Net assets is the sum of asset side of the balance sheet excluding any provision for depreciation fund or the assets shown at book value less depreciation charges, or the market value of the asset to be disposed off less any expected loss or provision against that asset. This total of the asset side exclude the fictitious assets if there is any shown in the asset side of the balance sheet like preliminary expenses, discounts on issue of shares or debenture, interest paid out of capital etc.

Net assets include both types of assets i. These assets provides the base for making the concern capable for carrying out its business activities for earning revenue and consolidate its position in the years to come. These assets are possessed by the business from various sources shown in the liability side of the concern i.

Financial Performance of Private Commercial Banks in India: Multiple Regression Analysis

It is also referred as net profit, earnings, or the bottom line. Net Income, that is not paid out in dividends is added to retained earnings. Companies with consistent and increasing net income over time are looked at very favorably by stockholders. As per Table 2 , it can be observed that the net profit of PNB was lac in and it rose to lac in which is 1.

Financial Performance of Private Commercial Banks in India: Multiple Regression Analysis

Net profit growth rate of PNB is 9. In and in PNB has shown a negative growth in the profit which is The growth rate of PNB is The net profit of both the banks HDFC indicate annual compound growth rate of Return on Assets ROA shows the rate of return after tax being earned on all of the firm's assets regardless of financing structure debt vs.

Because ROA can differ significantly across firms, ROA is often used to compare a company over time or against companies that have similar financing structures [ 12 , 13 ]. This ratio measures the return on assets employed or efficiency in utilization of the assets. It is arrived at by dividing net profit by total assets.


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The figures in Table 3 show the fluctuations in ROA of both banks. A debt obligation where the borrower has not paid any previously agreed upon interest and principal repayments to the designated lender for an extended period of time.

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The Non-Performing Asset is therefore not yielding any income to the lender in the form of principal and interest payments [ 14 ]. Gross NPA reflects the quality of the loans made by banks.

It consists of all the nonstandard assets like as sub-standard, doubtful, and loss assets. It can be calculated with the help of following ratio:. Net NPA shows the actual burden of banks.


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  • Since in India, bank balance sheets contain a huge amount of NPAs and the process of recovery and write off of loans is very time consuming [ 15 ]. The provisions the banks have to make against the NPAs according to the central bank guidelines are quite significant.